California Consumer Privacy Policy
Last Updated: August 2026
This policy explains the rights of California residents regarding the collection, use, sale, and sharing of their personal information under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA). We may update and make changes to this policy, so we encourage you to review it periodically.
1. Key Terms
| Term | Definition |
|---|---|
| We, us, our, the Company | Golden Rise Capital, Inc. d/b/a Fidelity First Capital |
| Personal Information | Any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular consumer or household. |
| Sensitive Personal Information | Personal information revealing a consumer’s social security number, driver’s license and passport numbers, account numbers and credentials, precise geolocation, racial or ethnic origin, religious beliefs, or union membership, personal information concerning a consumer’s health, sex life, or sexual orientation, contents of a consumer’s mail, email and text messages where the business is not the intended recipient, genetic data, and biometric information. |
| Biometric Information | An individual’s physiological, biological, or behavioral characteristics, including information pertaining to an individual’s deoxyribonucleic acid (DNA), that is used or is intended to be used singly or in combination with each other or with other identifying data, to establish individual identity. Biometric information includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information. |
2. Personal Information We Collect About You
In the preceding 12 months, we have collected the following categories and specific types of consumer personal information:
| Categories of Personal Information | Specific Types of Personal Information Collected |
|---|---|
| Identifiers (e.g., a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers) | Name, alias, postal address, unique personal identifier, online identifier, address, access code, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers |
| Personal Records (Information that identifies, relates to, describes, or is capable of being associated with, a particular individual) | Name, signature, social security number, address, telephone number, passport number, driver’s license or state identification card number, employment, employment history, bank account number, credit card number, debit card number, and other financial information. |
| Protected Classifications under California or federal law | Gender and age |
| Commercial Information (e.g., records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies) | Credit information including payment history, outstanding balance, and credit account status. |
| Biometric Information | Voice information from audio recordings and other biometric collected from government IDs and images to verify your identity |
| Internet or Network Activity (e.g., browsing history, search history, and interactions with websites, apps, or ads) | Tracking and analytics data from integrated tools and platforms |
| Geolocation Data | Postal address |
| Audio, Visual, or Similar Information | Recordings of telephone calls |
| Professional or Employment Information | Name of employer and current employment status. |
| Education Information (non-publicly available PII under FERPA) | None |
| Inferences drawn from personal information to create a profile | Qualification for financial services and products and future performance related to defaults. |
| Sensitive Personal Information | Social security number, driver’s license and passport numbers, account numbers and credentials, precise geolocation |
3. How Your Personal Information is Collected
We collect most of this personal information directly from you—in person, by telephone, text or email and/or via our website and apps. However, we may also collect information from the following categories of sources:
- Publicly accessible sources (e.g., records);
- Third parties (e.g., sanctions screening providers, credit reporting agencies, customer due diligence providers, advertising networks, internet service providers, social networks, data analytics providers, government entities, and data brokers);
- Third parties with your consent (e.g., your bank, survey providers, reviews platforms);
- Cookies on our website;
- Automated information collection;
- Our IT systems, including automated monitoring of our websites, computer networks, communication systems, email, and instant messaging systems.
4. Why We Use Your Personal Information
We collect, sell, and share consumer personal information for the following business and commercial purposes:
- Auditing related to counting ad impressions, verifying positioning and quality, and compliance auditing;
- Helping to ensure security and integrity;
- Debugging to identify and repair errors;
- Short-term, transient use;
- Performing services on behalf of the business (account maintenance, customer service, transaction processing, payment processing, financing, analytics, storage);
- Providing advertising and marketing services (excluding cross-context behavioral advertising);
- Undertaking internal research for technological development;
- Undertaking activities to verify, maintain, improve, or enhance service quality;
- Complying with legal and regulatory obligations;
- Performing our contract with you or taking steps prior to entering into a contract;
- Pursuing legitimate business interests (where not overridden by your fundamental rights); or
- Where you have given consent.
| What We Use Your Personal Information For | Our Reasons |
|---|---|
| Providing financial services or products | Contract performance or taking steps at your request prior to entering into a contract. |
| Fraud prevention and detection | Legitimate interests (minimizing fraud damaging to you and the Company). |
| Customer identification and compliance checks | Compliance with legal and regulatory obligations. |
| Audits and regulatory inquiries | Compliance with legal and regulatory obligations. |
| Ensuring business policy adherence | Legitimate interests (ensuring proper internal procedure execution). |
| Operational and quality control | Legitimate interests (improving operational efficiency and service quality). |
| Protecting confidential information | Legitimate interests and legal/regulatory compliance. |
| Statistical analysis and business reporting | Legitimate interests (optimizing service performance and business operations). |
| System security and access management | Legitimate interests and legal/regulatory compliance. |
| Updating customer records | Contract performance, legal compliance, and legitimate interests. |
| Statutory returns | Compliance with legal and regulatory obligations. |
| Safe working practices and administration | Legal compliance and legitimate interests. |
| Marketing services to existing/prospective customers | Legitimate interests (promoting our business). |
| Credit reference checks | Legitimate interests (evaluating financial suitability and creditworthiness). |
| External audits and quality accreditations | Legitimate interests and legal/regulatory compliance. |
5. Who We Share Your Personal Information With
In the preceding 12 months, we have sold or shared consumers’ personal information with:
- Service providers used to deliver products/services (lenders, financial service entities, credit reporting agencies, debt settlement companies, warehouses, delivery providers);
- Third parties that assist operational functions (marketing agencies, hosting providers);
- Third parties approved by you (connected social media accounts, financial institutions, payment gateways);
- Credit reporting agencies;
- Insurers, brokers, and banking partners;
- External auditors;
- Law enforcement agencies and regulatory bodies as required by law;
- Prospective buyers or entities involved in corporate restructuring/mergers (subject to confidentiality terms).
6. Categories of Personal Information We Sold or Shared
In the preceding 12 months, we have sold or shared:
- Identifiers;
- Personal records and financial information;
- Protected classifications under California or federal law;
- Commercial information;
- Biometric information;
- Internet or network activity;
- Geolocation data;
- Audio, visual, or similar information;
- Professional or employment-related information;
- Inferences drawn from personal data;
- Sensitive personal information.
7. Categories of Personal Information Disclosed for a Business Purpose
In the preceding 12 months, we have disclosed for a business purpose:
- Identifiers;
- Personal records, financial, and employment information;
- Protected classifications;
- Commercial information;
- Biometric information;
- Internet or network activity;
- Geolocation data;
- Audio, visual, or similar recordings;
- Professional or employment-related information;
- Inferences drawn from personal data;
- Sensitive personal information.
8. How Long Your Personal Information Will Be Kept
We retain personal information for the duration of your active account or service relationship with us. Thereafter, information is kept only as long as necessary to:
- Respond to questions, complaints, or legal claims;
- Demonstrate fair dealing;
- Comply with statutory and regulatory record-retention requirements.
9. Your Rights Under the CCPA/CPRA
Under California law, California residents possess the following rights free of charge:
- Right to Know and Access: Request disclosure of categories and specific pieces of personal information collected, sources, business purposes, and third parties with whom data is shared or sold.
- Right to Opt-Out of Sale/Sharing: Request to opt out of the sale of personal information or sharing for cross-context behavioral advertising. You may submit an opt-out request via email at optout@goldenrisecapital.com or by calling 877-552-9771.
- Right to Limit Use of Sensitive Personal Information: Direct us to limit the use of sensitive personal information strictly to necessary operational functions. To submit this request, email optout@goldenrisecapital.com or call 877-552-9771.
- Right to Deletion: Request deletion of personal information, subject to statutory exceptions (such as fulfilling contractual terms, ensuring security, debugging, or complying with legal obligations).
- Right to Correction: Request correction of inaccurate personal information maintained in our records.
- Non-Discrimination / Protection Against Retaliation: We will not discriminate or retaliate against you for exercising any of your CCPA/CPRA rights.
10. How to Exercise Your Rights
If you would like to exercise any of your CCPA/CPRA rights, you may submit your request using any of the following methods:
- Toll-Free Phone: 877-552-9771
- Email:
- Privacy Requests: privacy@goldenrisecapital.com
- Opt-Out / Limit Use Requests: optout@goldenrisecapital.com
- Mail:
Golden Rise Capital, Inc. d/b/a Fidelity First Capital ATTN: Privacy 2081 Business Center Drive #285 Irvine, CA 92612
Verification Requirements:
To process your request, you must provide:
- Sufficient identifying information (full name, postal address, account or reference details);
- Valid proof of identity and California residency (e.g., government-issued photo ID and matching utility or credit card statement);
- A clear description of the specific right you wish to exercise.
Requests that cannot be verified will not be processed. Any verification details collected will be used solely for authentication purposes.